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    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court and ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all. So you really want to exhaust every possibility of avoiding them if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
    • I see the trial of the real criminal in the Biden Family has started rather than the sham political persecution of Trump    Biden will of course try to distance himself as far as possible to no avail  Even more votes for The Donald🤣    
    • Savings platform Raisin UK is offering a £50 bonus for new customers who sign up for an account.View the full article
    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cap1 & CCA return


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I think he requested them to be removed.

 

Indeed that is the case.

 

Some of his posts also broke the forum rules, in regards to trying to get people to sign up to his services.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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IMHO the service on offer is way below the results I have personally achieved via advice from this site and my own research

 

The part about not guaranteeing credit file clean up is particularly hard to take, this would be something I would insist on in any case I took to the lender

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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well here are a few secrets

 

http://www.consumeractiongroup.co.uk/forum/mbna/61752-old-mbna-application-form.html#post1341000

 

note for those that read "on the surface" this thread starts in 2007 not 2008

 

 

SADLY the person(s) who posted under the name CREDITCARDKILLER ( commencing in January 2007 & ending in Jan 2007 until the recent revival-- three original posts? ) have decided to have all the posts he/she/they have posted under that individual "nom de plume" deleted from this forum.

 

so the link above to when they asked for copies of old MBNA application forms (was it pre 99 or pre 2003) and referred to direct marketing of these application forms is no longer there

 

remember MBNA took over THE SERVICING OF abbey halifax alliance & leicester (any more) around 2003 ?

:cool: sunbathing in juan les pins de temps en temps

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CreditCardKiller is still watching this thread though.

 

Maybe we should all take the fact that threats of litigation get people nowhere, especially as after a little bit of delving most 'services' such as this may not have the legal footing (i.e. regulatory clearance) they may well require.

 

The fact still remains that the registration of the CCK trademark predates all posts on this site by nearly 3 years and that litigation hadn't concluded until this year. Things like that do lead me to believe that the business plan was present long before any legal ruling and that the 'holy grail' of court rulings came by way of an accident. I can't remember how many charging orders it was, was it 2 or 3? We're there other DCA's involved?

 

At the end of the day, if you come out of hiding (and with the help of information gleaned from this and other sites) stating you have found the elixir of life and that you are intending to charge for this, is anyone surprised at the response you get? I wouldn't be.

 

I thought you couldn't be an IFA if you had a CCJ?

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I see my post containing threads to all this capital letters and strawman account have been removed.

 

Should anyone require the links. please PM me .

Not sure why they were taken down, they were only informative links explaining the difference between the strawman account ( in Caps) and the human being account ( in lower case)

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I see my post containing threads to all this capital letters and strawman account have been removed.

 

Should anyone require the links. please PM me .

Not sure why they were taken down, they were only informative links explaining the difference between the strawman account ( in Caps) and the human being account ( in lower case)

 

I'll find out why.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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I thought I would post my reply from OFT regarding a complaint I made about some advise a member of staff made.

 

I am going to reply to OFT as I am not happy with the responce but one thing has intrested me on page 2.

 

It says " This prevents enforcement with or without a court order".

 

Does this mean a creditor has a CCJ on you and they have no agreement can they still enforce it??

 

Also any views on the comments regarding the copy docs 1983

 

img075.jpg

 

img076.jpg

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First they say it needs to be a 'true copy' then they say it can be a 'generic' copy. So if the creditor doesn't have a true copy how does he know what was really on it?

 

Secondly, they say the debt cannot be enforced 'with or without a court order' then they say it's up to the court to decide.

 

Why don't they make their minds up ...

 

As for enforcement after a CCJ, i've always been told on here that it has already been enforced and the time for a CCA etc. was at the defence stage. Someone may correct me on this as in many cases new info comes to light later which affects a claim.

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My understanding of what they have said is that to comply with your CCA request they can send you what is described, however on page two it clearly states that they must have a signed copy to show the court. Which backs up what we are all thinking.

 

However, I also understand that they cannot suddenly produce the signed document in court if they have not already supplied you with a copy - as what they send in response to your request should be that copy. Or is that only if you ask for information under the CPR?

 

If I am not making any sense please ignore me - it has been a long week;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Going back to Tifo comment.

 

I always though if you had a CCJ there was nothing you can do.

OFT comments on page 2 say with or without a court order so whats going on!!!

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Going back to Tifo comment.

 

I always though if you had a CCJ there was nothing you can do.

OFT comments on page 2 say with or without a court order so whats going on!!!

 

The agreement remains ancillary to the CCJ. However, if there's contractual entitlement to claim further interest after judgment, then this cannot be enforced if the CCA request remains in default. Imo.

 

This is why a CCA request should be made after Judgment. There will be many people who have interesting accruing after judgment but don't know.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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It is pretty simple really, they mean that if you had requested a copy of the agreement under sections 77-79 and they hadn't complied, the courts would not be able to enforce the agreement. However, in issuing a CCJ the agreement is therefore enforced and as such the agreement is irrelevant as the CCJ is the overriding document.

 

Getting a CCJ overturned because you didn't ask for a copy of the agreement, or query it, is perversed. You'll have to ask for a copy, see if it is enforceable and then maybe, with a fair wind behind you and a helpful judge, they won't throw it out immediately and you may be able to get the courts to look at it.

 

Be aware that a CCJ kind of makes all of the smoke signals and mirrors available within the CCA fairly redundant.

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The agreement remains ancillary to the CCJ. However, if there's contractual entitlement to claim further interest after judgment, then this cannot be enforced if the CCA request remains in default. Imo.

 

Interesting point, but if the court takes the view that in issuing a CCJ that takes the post judgement interest entitlement within the ruling, do you think that would be stopped to?

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Interesting point, but if the court takes the view that in issuing a CCJ that takes the post judgement interest entitlement within the ruling, do you think that would be stopped to?

 

The court has no power to award interest post judgment on a regulated agreement. the interest is contractual and remains so, it is completely separate from the judgment. This would mean a CCA request is valid under the contract.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Interesting point, but if the court takes the view that in issuing a CCJ that takes the post judgement interest entitlement within the ruling, do you think that would be stopped to?

 

They can only apply post Judgment interest where there's a term in the (non-existant!) agreement allowing them to do so.

 

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The court has no power to award interest post judgment on a regulated agreement. the interest is contractual and remains so, it is completely separate from the judgment. This would mean a CCA request is valid under the contract.

 

Yeah - that's what I said, but you beat me to it. :p

 

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